Legal analysis: The requirements for buying a car by stages are as follows: 1. Car buyers must be 18 years old and China citizens with full capacity for civil conduct; 2. Car buyers must have a relatively stable job, a relatively stable economic income or assets that are easy to realize, in order to repay the loan principal and interest on schedule; 3. During the loan application period, the car buyer will deposit the down payment of the car purchase lower than that stipulated by the bank into the account of the bank savings counter; 4. Provide banks with bank-approved guarantees. If the personal account of the car buyer is not local, it should also provide joint liability guarantee, and the bank will not accept the mortgage set by the car buyer for the car purchased by the loan.

Legal basis: Article 4 of the Interim Measures for the Administration of Personal Loans follows the principles of compliance with laws and regulations, prudent operation, equality and voluntariness, fairness and good faith. Article 9 The lender shall establish a reasonable control mechanism for the borrower's income and debt ratio, reasonably determine the loan amount and term in combination with the borrower's income, liabilities, expenses, loan purposes, guarantees and other factors, and control the borrower's repayment amount in each installment not to exceed its repayment ability.